Wise Denies Responsibility for Unauthorized Transactions
In September 2025, two unauthorized withdrawals were made from my Ziraat Bank account without my knowledge or consent. These transactions were carried out via Wise using a virtual IBAN that was opened in my name without my authorization and processed through the Moka United infrastructure. A total of $1,480 (49,000 TL) was withdrawn from my account—$545 and $935 in two separate transactions. Despite these amounts being directly deducted from my bank account, there are no corresponding transaction records visible in my Wise account.
When I contacted Wise customer support, they stated that they could not assist because the transactions do not appear in my Wise account. When I contacted Moka United, they explained that the system used was a virtual IBAN and that I should resolve the issue with Wise. As a result, I have been left stuck between the two institutions. Even though these are clearly unauthorized transactions taken directly from my bank account, I have not received any concrete explanation or resolution so far.
I request that these unauthorized transactions totaling 49,000 TL be thoroughly investigated by both Wise and Moka United, that a clear explanation be provided regarding how and under what authority these transactions were carried out, and that the full amount be refunded to me without delay.
